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"Many insurance companies increase the premium rates as..."

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Many insurance companies increase the premium rates as your age goes above 55 bcoz senior drivers are more prone to accidents even daytime. It may cost you upto 125$ per month, but you can get discount on basis of clean records.
AARP offers some great Senior Auto Insurance benefits to the aged drivers. These benefits take the shape of a new car replacement guarantee, a warranty for lifetime repair, lifetime ability to renew their policy,
You can compare the prices online and get the quotes and have more information from :
http://www.assureinsure.com/autoinsurance-discounts-for-senior-auto-insurance-566.aspx.

"Are considered as a responsible driver and insurance premium goes down as your age..."

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Well car insurance rates depends upon many factors like age, gender, profession, car model. If you are above 25 then you are considered as a responsible driver and insurance premium goes down as your age increase. Again if you have simple car, it will cost an average, but if you have ATV or sports car, it can go upto 200$ for above 25 and 400$ for a teenager. You can get more information from the following website :
http://www.assureinsure.com/autoinsurance-how-is-car-insurance-rate-determined-264.aspx.

"As a 15 year old your insurance rates will be high comparitively but..."

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It will be around 1500$ per year and can be more depending upon model of the car, as a 15 year old your insurance rates will be high comparitively but still you can ask for students discount on the basis of the grades. Compare the prices online and get the best deal for yourself by taking online quotes from :
http://www.assureinsure.com/articles-car-insurance-for-teenagers-22.aspx.

"If you get your child under your insurance it will help you out in..."

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If you get your child under your insurance it will help you out in getting the discounts for him/her. It may cost you around 110$ per month, still you can have discounts on basis of good grades as well. To know more about it and get the best possible deal for yourself by taking online quote from :
http://www.assureinsure.com/articles-car-insurance-for-teenagers-22.aspx.

"Year old son on the same car insurance policy you have for the same..."

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A quick and fairly rough estimate would be to put 15% extra on your premiums right now. That is fairly how much it would cost to put your 17 year old son on the same car insurance policy you have for the same car. However, his grades make a difference, and so does his driving history... if any.

"Then you can compare the insurance premiums and pick out the best..."

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It depends on a variety of factors like what car you drive, driving record,etc. I suggest going to http://www.DiscountInsuranceMarketplace.com and get an instant quote. Then you can compare the insurance premiums and pick out the best policy that meets your needs.

"Thais is because insurance costs for a 16 year old..."

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The insurance that you will have to pay will be more than 1500 $ per one full year and less than 2000 $ . Thais is because insurance costs for a 16 year old only 1000$ per six months or 1300$ per the full year and the second choice is better .

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